Business Financing

Appropriate lending support tailored to your specific needs is an essential element of our full-service relationship banking philosophy. We provide a wide
variety of loans to meet both short term working capital requirements and permanent financing needs of your business. From lines of credit and asset-based
financing to permanent capital loans, your relationship manager will structure a custom package specifically to meet your requirements.

Mechanics Bank has a long history and expertise in financing owner/user and investment property. We specialize in loans to finance the acquisition,
development, construction, tenant improvements, and long-term financing of commercial properties such as office and industrial buildings, warehouses,
shopping centers, vineyards, wineries and apartment buildings.

We offer 100% financing on most types of equipment in amounts ranging from $10,000 to $500,000 and terms from 24 to 72 months ($100K+ required for greater than 60 months.) We offer same day approval for our application only program for amounts up to $100K with no financials or tax returns required, however, you must be in business for at least 5 years for this program. Our most aggressive rates are available for transactions that include a full financial analysis. The rates are fixed for the term for all transactions.

Financial flexibility to deal with variety of regular or unanticipated cash flow needs is essential for the livelihood of any business. An operating line of credit is a valuable and convenient financial management tool because while funds are always accessible, you pay interest only when you borrow. You can access your line of credit by phone or online.

Term loan financing is often attractive because it provides a solution for business expansion and/or equipment acquisition. In addition, it allows you to budget for fixed outflows based on a scheduled repayment program. Repayment is structured in periodic installment payments, with terms established in concert with your repayment capacity. Your relationship manager can help you structure a term loan to finance fixed assets increase permanent working capital, or undertake other transactions that require long-term financing.

For more information about these business services, please visit one of our offices or contact us at 800-797-6324.